Can my name be on the title but not on the mortgage?

If you and your partner are buying a house, there are a few reasons why you might not want one of you on the mortgage. The most common reason is because one person has bad credit, and applying with both of your names would likely affect the rate you’ll be offered.

Because of that, some couples will choose to exclude one person from the mortgage. Instead, they will apply for the loan under the name of the person with better credit. This can help them get a better interest rate on the loan from the bank.

But just because one name isn’t on the mortgage doesn’t mean that person can’t be on the title. In fact, if you’re going to be helping financially with the house (even though you’re not on the loan), you should have your name on the title. This allows you to have rights to the property, which will be especially important if someone tries to make a claim against your title.